Money Market Rate Trends
Track the movements of money market account APYs across all 50 states. Compare state-by-state variations, view week-over-week averages charted, and identify where APYs are shifting the fastest.
Insights & Actions
📈 Free Dataset Tools Embed, download, social images & more. ← Shop Money Market Rates Compare live offers from top institutions. Jump to State Map See APYs heat-mapped across all 50 states. View State Reports Compare weekly APY changes by state. Request Custom Data Contact us for media data pulls.Current Money Market Rate Trends
The High-Yield Money Market fell by 0.008 this week, bringing the current average APY down to 3.046%. Savers are seeing slightly reduced yields compared to last week, when the average was 3.055%.
The Standard Money Market eased this week to 0.704% from 0.727% last week. The spread between the High-Yield Money Market and Standard Money Market currently stands at 2.342 percentage points.
These averages are calculated from 9,913 verified money market rate quotes collected across 1,489 banks and credit unions reporting from all 50 states — updated daily by MonitorBankRates.com's proprietary systems. Rates are what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated money market account rate database spanning community banks, regional lenders, large institutions, and credit unions in every state. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for where APYs actually stand across the country.
State-Level Money Market Rate Heatmap
Hover over a state to see its current High-Yield Money Market average and weekly change. Click on any state to view its complete historical trend report.
Weekly Money Market Rate Reports
Weekly average money market rate data releases from MonitorBankRates.com.
For Media, Researchers & Real Estate Professionals
The money market rate averages on this page are calculated from our database of over 8,500 banks and credit unions actively reporting APYs across all 50 states. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates. Every day we aggregate those individual data points into overall averages that represent a true, real-market picture of what savers across the U.S. are being offered today.
Unlike rate comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated money market account rate database spanning community banks, regional lenders, large institutions, and credit unions across all 50 states. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like across the country.
Journalists, financial professionals, and academic researchers are welcome to cite and reference this data for editorial, research, and educational purposes. Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/money-market-rates/trends/. For custom data pulls, contact us here.
Money Market Rate Trends
Weekly average APYs across all money market products. Hover over the chart to see exact APYs for each week.
Weekly money market rate averages compiled from 9,913 current money market rates across our database of 1,489+ banks and credit unions — updated daily.
As of Jul 14, 2026 • Data provided by MonitorBankRates.com
Complete State Trends Data
| State | High-Yield MMA APY | Last Week Average | Weekly Change | Actions |
|---|---|---|---|---|
| Alabama | 3.046% | 3.071% |
▼ 0.025 this week
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| Alaska | 3.046% | 3.046% |
▼ 0.000 this week
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| Arizona | 3.310% | 3.289% |
▲ 0.021 this week
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| Arkansas | 3.046% | 3.312% |
▼ 0.266 this week
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| California | 3.331% | 3.327% |
▲ 0.004 this week
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| Colorado | 3.556% | 3.279% |
▲ 0.277 this week
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| Connecticut | 3.038% | 3.070% |
▼ 0.032 this week
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| Delaware | 3.200% | 3.317% |
▼ 0.117 this week
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| Florida | 3.609% | 3.514% |
▲ 0.095 this week
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| Georgia | 3.046% | 3.046% |
▼ 0.000 this week
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| Hawaii | 3.046% | 3.046% |
▼ 0.000 this week
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| Idaho | 3.046% | 3.046% |
▼ 0.000 this week
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| Illinois | 3.436% | 3.182% |
▲ 0.254 this week
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| Indiana | 3.070% | 3.166% |
▼ 0.096 this week
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| Iowa | 2.732% | 2.756% |
▼ 0.024 this week
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| Kansas | 3.189% | 3.206% |
▼ 0.017 this week
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| Kentucky | 3.703% | 3.556% |
▲ 0.147 this week
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| Louisiana | 3.046% | 3.073% |
▼ 0.027 this week
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| Maine | 3.046% | 3.046% |
▼ 0.000 this week
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| Maryland | 3.396% | 3.404% |
▼ 0.008 this week
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| Massachusetts | 3.553% | 3.488% |
▲ 0.065 this week
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| Michigan | 3.637% | 3.243% |
▲ 0.394 this week
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| Minnesota | 3.412% | 3.102% |
▲ 0.310 this week
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| Mississippi | 3.046% | 3.046% |
▼ 0.000 this week
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| Missouri | 3.253% | 3.286% |
▼ 0.033 this week
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| Montana | 3.046% | 3.234% |
▼ 0.188 this week
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| Nebraska | 2.904% | 2.922% |
▼ 0.018 this week
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| Nevada | 2.598% | 2.618% |
▼ 0.020 this week
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| New Hampshire | 3.542% | 3.507% |
▲ 0.035 this week
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| New Jersey | 3.233% | 3.244% |
▼ 0.011 this week
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| New Mexico | 3.046% | 3.046% |
▼ 0.000 this week
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| New York | 3.229% | 3.237% |
▼ 0.008 this week
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| North Carolina | 3.505% | 3.162% |
▲ 0.343 this week
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| North Dakota | 3.046% | 3.046% |
▼ 0.000 this week
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| Ohio | 3.561% | 3.308% |
▲ 0.253 this week
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| Oklahoma | 3.106% | 3.141% |
▼ 0.035 this week
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| Oregon | 3.046% | 3.046% |
▼ 0.000 this week
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| Pennsylvania | 3.281% | 3.291% |
▼ 0.010 this week
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| Rhode Island | 3.592% | 3.561% |
▲ 0.031 this week
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| South Carolina | 3.046% | 3.046% |
▼ 0.000 this week
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| South Dakota | 3.046% | 3.046% |
▼ 0.000 this week
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| Tennessee | 3.046% | 3.355% |
▼ 0.309 this week
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| Texas | 3.356% | 3.213% |
▲ 0.143 this week
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| Utah | 2.811% | 3.006% |
▼ 0.195 this week
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| Vermont | 3.065% | 3.082% |
▼ 0.017 this week
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| Virginia | 3.277% | 3.255% |
▲ 0.022 this week
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| Washington | 2.916% | 2.912% |
▲ 0.004 this week
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| West Virginia | 3.486% | 3.347% |
▲ 0.139 this week
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| Wisconsin | 2.988% | 2.923% |
▲ 0.065 this week
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| Wyoming | 3.046% | 3.046% |
▼ 0.000 this week
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